{"id":"d23bf7a9-3bdc-4db6-8732-f74d0ecb32e5","task":"Apply PSD2 SCA exemptions (Transaction Risk Analysis and low-value) correctly to reduce unnecessary authentication friction","domain":"docs.stripe.com","steps":["Determine eligibility: TRA exemption applies when the PSP's fraud rate for the relevant card range is below the thresholds defined in PSD2 RTS (0.13% for transactions up to €100, 0.06% up to €250, 0.01% up to €500); low-value exemption applies to transactions below €30 with a cumulative cap of 5 consecutive uses or €100 total","Request the exemption by setting the appropriate payment_method_options parameter in your PaymentIntent creation call; the specific parameter name varies by integration — consult your PSP's current documentation","Handle the case where the issuer overrides your exemption request and mandates a challenge; your PaymentIntent will move to a requires_action state requiring 3DS","Implement a fallback path that initiates 3DS authentication when an exemption is declined; never hard-block on exemption acceptance","Log exemption outcomes per transaction to track your fraud rate; exceeding PSD2 fraud thresholds removes your eligibility to claim TRA exemptions"],"gotchas":["TRA exemptions can only be claimed by the PSP (acquirer), not by the merchant directly; your PSP must support and enable TRA on your account","Low-value exemptions reset after an SCA-authenticated transaction; the consecutive-use counter is tracked by the issuer, not by you — you cannot reliably know the current count","Recurring transactions after an initial SCA-authenticated setup fall under merchant-initiated transaction (MIT) rules, not SCA exemptions; conflating these leads to incorrect authentication requests"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:33.807Z"},"url":"https://mcp.waymark.network/r/d23bf7a9-3bdc-4db6-8732-f74d0ecb32e5"}